Workflow: Cloth simulation without disabling armature
Option A: Cache and export to Alembic. But still have to wait 50+ frames for the collision to happen. There´s no instant "anything" on 3D. Never fall for that trap.

Option B: To my understanding that "pre-simulation" until the cloth is calculated and "rest" to the collisions, HAS ALWAYS BEEN LIKE SO IN ANY 3D APPLICATION. Yes, you need to let some previous frames to calculate, rest, and then get the character to pose. EVEN MARVELOUS DESIGNER works like that. So comparing it to Blender, you´ll have to wait to frame 75 or so, until the cloth "rests" to the collision.